Our approach to financial advice
At Dalton Financial Partners, you won’t get a ‘cookie cutter’ or ‘one size fits all’ approach to advice. Our clients are unique and therefore require a financial plan that has been tailored for their specific situation. We cover a wide range of strategies and work with other professionals to provide advice that covers all aspects of your financial life.
Comprehensive
Considers all areas of your financial life.
Personal
Focused on building strong long-term relationships.
Execution Focused
Great planning fails without consistent execution.
Core Strategies
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We help you take control of your finances by assisting you in understanding your income and expenses, and providing effective ways to restructure loans to boost cash flow and minimise tax. With our expert guidance, we help you create a financial plan that supports tax-effective wealth accumulation and points you in the right direction to securing your financial future.
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At Dalton Financial Partners, we believe that superannuation plays an important role in building wealth and enhancing your retirement. Superannuation is the simplest and lowest tax path to wealth creation. We review superannuation arrangements (including SMSFs), and can prepare tailored superannuation and investment strategies to help you maximise your retirement savings and reach your financial independence.
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We help clients understand investments and find the right investment for them. We build diversified investment portfolios to suit your needs and encourage tax-effective wealth accumulation. Whether you’re looking to invest in individual shares or prefer a professionally managed portfolio, we tailor solutions to align with your specific situation, financial goals and risk appetite. Our strategic approach ensures that you make informed investment decisions to grow and protect your nest egg.
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We understand the uncertainty that clients are faced with as they approach retirement and transition out of the workforce. We help you understand what a comfortable retirement is to you, how much you need to reach your ideal retirement, and help create tailored strategies to secure that retirement. We support you to ensure a smooth transition from the workforce, maximising your retirement savings and creating passive income for life. We help you with any uncertainty faced and provide you peace of mind that you are well placed for a comfortable retirement, so you can focus on the important things like enjoying your retirement and making memories with family and loved ones.
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Protecting your financial future is essential in ensuring that you reach your financial independence and that your family is protected in any event. We help review and analyse the risks in your financial situation so we can provide you with tailored Life and Income Insurance solutions. This safeguards your loved ones and your path to financial independence in case things don’t go to plan.
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A strong Estate Plan is vital to ensure that your hard-earned wealth stays within the family and is passed on to your preferred beneficiaries while minimizing death tax. We have experienced many complex scenarios and can assist you in preparing asset protection strategies and creating a strong estate plan to protect your assets and financial legacy.
Other strategies we cover
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Dalton Financial Partners provides strategic advice on property investment to help you build wealth through real estate. Whether you're purchasing your first investment property or expanding your portfolio, we help you understand the strategic aspects of property investing, such as long-term considerations, ownership and suitability of different properties.
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We support Business Owners in understanding how business plans tie in with personal financial plans and wealth. Being a business owner ourselves (not a corporate), we understand business issues. We can provide guidance in business and succession planning and how to use a small business for maximum wealth creation. We often collaborate with accountants to provide a comprehensive solution for tax and wealth creation for business owners.
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We understand complex companies and trust structures and the important role they play in optimising tax outcomes, building wealth, and enhancing asset protection. Along with a tax specialist, we can assist you structuring investments through these arrangements and tailor our approach to ensure that investment strategies align with your situation and financial goals.
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We assist clients in maximising their investment potential through borrowing strategies. These complex strategies require expert guidance, which we can provide to support you in leveraging debt effectively to enhance tax effective wealth accumulation while managing the associated risks.
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We provide expert advice on employee share schemes and salary packaging options to help maximise financial benefits while minimising tax. We ensure that you understand and optimise these opportunities to enhance your overall financial position.
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You may be faced with a difficult situation that requires you to negotiate with professionals and third parties, which can be challenging, particularly if encountering this situation for the first time. We have encountered may scenarios and have the experience and expertise to assist with difficult discussions and negotiations. We provide professional support by either providing guidance or representing and negotiating on your behalf to secure the best financial outcomes for you and to protect your interests.
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Collaboration is important to provide a strong financial plan. We work closely with accountants, mortgage providers and lawyers to deliver comprehensive financial solutions. We can function as your principal adviser and collaborate with other professionals on your behalf.
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Navigating Social Security entitlements and Aged Care is complex. We provide expert guidance to simplify this process and help ensure that your or your loved ones are well placed in retirement and getting the support that is needed.
Our Process and Fees
How You Can Engage Us
You can choose from three different ways to engage Dalton Financial Partners
Strategy-Only Engagement
This option is ideal if you want a thorough analysis and high-level strategy without any product recommendations or implementation. We start with a comprehensive fact-finding session, where we help you clarify your current financial position, goals, and needs. We review your cash flow, loans, investments, superannuation, and insurances, followed by a personalised risk tolerance assessment. Based on this, we deliver targeted strategies to help you achieve your goals—without any specific financial products or implementation support at this stage. Strategy-only engagements start from $2,400 plus GST and provide you with actionable recommendations to move forward at your own pace.
Implementation
If you’re ready to take the next step, our Implementation phase provides comprehensive, holistic financial planning. We develop detailed financial plans, select and recommend specific products, and execute all aspects of your plan—from opening new accounts to establishing recommended products and preparing all documentation. You’ll be supported with focused meetings covering cash flow, investments, superannuation, risk protection, and estate planning. Implementation typically lasts six months, during which you receive ongoing support and guidance, with fees starting from $9,600 plus GST.
Ongoing Service
For clients who want to keep their financial plan effective and current, our ongoing service features up to two meetings a year (up to four for complex needs), quarterly portfolio reviews, end-of-year support, monthly newsletters, and unlimited contact for advice and support. Fees for ongoing service engagements start from $600 per month plus GST and can in most cases be paid directly from your superannuation balance. Each agreement covers all advice, documentation, and implementation for 12 months, and fees are reviewed annually. Fees may include a component based on the value of investment portfolios advised on, set and fixed at the start of each service period. Any changes or recalculations will be explained and agreed with you in advance.
General Advice and Insurance Commissions
We may charge a fixed or hourly fee for general advice—that is, advice not tailored to your individual financial situation, objectives or needs. The specific fee will be agreed in writing before services are provided. Insurance advice and implementation is covered either by a combination of fixed fees and product commissions or by a fully transparent higher fixed fee at your election. Upfront commissions may be up to 66% of the first year’s premium, and ongoing commissions up to 22%; all commission details will be fully disclosed in your Terms of Engagement and Statement of Advice. Insurance needs analysis and strategy are included in your fixed service fees, while applications, policy administration, and claims management are covered by insurance commissions, payable only if the policy is placed and retained.
Commitment to Value
Dalton Financial Partners is committed to offering fee structures that are clear, fair, and deliver long-term value. Each client engagement aims to improve your financial position after fees, with all costs and service details set out in your engagement documents and reviewed annually. Your financial future is our focus.
